Friends who don't have much time, I recommend reading this article written by senior sister to ensure that there will be a lot of dry goods:
How about "China Life Kangningbao 202 1 Edition C"? Don't buy it until you know these three points! 》
1. How about Guotai Kangning Insurance 202 1 version C critical illness insurance? Is it suitable for insurance?
Senior, before it's too late, let's go directly to the above picture:
After you have a certain understanding of the product drawings, we will study it in depth with our senior sister.
Advantages of Kangningbao 202 1 version C critical illness insurance;
1. Flexible payment period
Although the critical illness insurance of Kangningbao version C 202 1 has two payment years, namely 10 and 20 years, we can decide whether to pay annually or monthly on the basis of these two payment years.
However, the idea of senior sister is that it is best to pay once a month, and the premium of several thousand yuan per year is divided into 12 months, and only a few hundred yuan per month is borne. Isn't that enough?
Moreover, this payment method is very suitable for newcomers in the workplace, and the monthly payment burden will not be heavy, and you can still enjoy protection.
Senior sister takes 30-year-old Xiao Wang, and the insured amount is 1.5 million. For example, Xiao Wang needs to pay a premium of 3375 yuan every year. If it is paid every month, the monthly premium is not 282 yuan!
However, the monthly payment period is not recommended by everyone. Do you want to know what kind of payment period is most suitable? I recommend reading this article written by Senior Sister:
"How to choose the payment period so as not to lose money? 》
Shortcomings of C-type critical illness insurance of Kangningbao 202 1 Edition;
1. Waiting time is too long.
The waiting period of Kangningbao 202 1 version C critical illness insurance is 180 days, which is twice as long as those who only have a waiting period of 90 days!
We must understand that the shorter the waiting period, the faster the insured can be guaranteed and helpful to the insured.
Moreover, an insurance accident occurred during the waiting period, and the insurance company did not pay for it. If the insured has an insurance accident while waiting, the treatment fee will have to be paid out of his own pocket. Nobody wants this to happen!
You can only choose to keep it for life.
The critical illness insurance of Kangningbao 202 1 C version has no guarantee period except for life. However, senior sister definitely agrees that lifelong critical illness insurance is much better than regular critical illness insurance, but the premium is definitely higher than regular critical illness insurance.
For those friends who are not in a good financial situation but are interested in insurance, the premium pressure is too great to avoid, so they can only choose the C-type critical illness insurance of Kangningbao 202 1 version.
Second, the senior sister suggested
On the whole, the critical illness insurance of Kangningbao 202 1 C version is mediocre, and the protection content is not considered in place, which is cruel to those small partners with relatively small budgets.
Therefore, in the view of senior school sister, before taking out Corning Insurance 202 1 version C critical illness insurance, you should think twice and learn more about other products on the market.
Senior sister specially brought an excellent list of critical illness insurance on the market. If a friend wants to know more, just look down:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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